2021-10-28 16:00Financial Performance - Operating income for Q3 2021 was RMB 39,686 million, an increase of 14.26% year-on-year[4] - Net profit for Q3 2021 reached RMB 12,724 million, up 12.69% compared to the same period last year[4] - Net profit attributable to shareholders for the first nine months of 2021 was RMB 35,085 million, reflecting an 18.48% increase year-on-year[4] - Basic earnings per share for Q3 2021 was RMB 0.19, a decrease of 5.00% year-on-year[4] - The net profit for the first three quarters of 2021 was RMB 35.25 billion, representing an increase of 18.60% compared to the same period last year[18] - The total operating income for the three months ended September 30, 2021, was RMB 39,686 million, an increase from RMB 34,732 million in the same period of 2020, representing a growth of approximately 14.1%[37] - Net profit attributable to shareholders for the three months ended September 30, 2021, was RMB 12,640 million, compared to RMB 11,246 million in the same period of 2020, reflecting an increase of about 12.4%[39] - The total comprehensive income for the nine months ended September 30, 2021, was RMB 36,979 million, up from RMB 27,794 million for the same period in 2020, representing an increase of approximately 33.5%[36] - The total comprehensive income for the three months ended September 30, 2021, was RMB 13,885 million, up from RMB 9,336 million in the same period of 2020, indicating a growth of approximately 48.5%[39] Assets and Liabilities - Total assets as of September 30, 2021, amounted to RMB 5,685,950 million, representing a 5.92% increase from the end of 2020[4] - Total liabilities amounted to RMB 5,210,098 million as of September 30, 2021, compared to RMB 4,913,123 million as of December 31, 2020, marking an increase of about 6.0%[32] - The bank's total equity attributable to shareholders was RMB 474,140 million as of September 30, 2021, up from RMB 453,470 million as of December 31, 2020, representing a growth of approximately 4.6%[33] - The total assets of the group reached RMB 5,685.95 billion, an increase of 5.92% compared to the end of the previous year[18] Income and Expenses - The operating income for the first three quarters was RMB 116.78 billion, up 9.25% year-on-year, with net interest income at RMB 83.99 billion, a growth of 2.17%[18] - The group’s operating expenses for the first three quarters were RMB 74.14 billion, an increase of 3.69% year-on-year[18] - The bank's net interest income for the nine months ended September 30, 2021, was RMB 83,994 million, compared to RMB 82,209 million in the same period of 2020, indicating a growth of approximately 2.2%[35] - The bank's fee and commission income for the nine months ended September 30, 2021, was RMB 21,726 million, an increase from RMB 19,723 million in the same period of 2020, reflecting a growth of about 10.1%[35] Credit and Risk Management - The non-performing loan balance was RMB 43.93 billion, an increase of RMB 2.26 billion from the end of the previous year, with a non-performing loan ratio of 1.34%, down 0.04 percentage points[19] - The bank's credit impairment losses for the nine months ended September 30, 2021, were RMB 43,446 million, slightly higher than RMB 42,989 million for the same period in 2020, indicating an increase of about 1.1%[36] - The bank's credit impairment losses for the three months ended September 30, 2021, were RMB 14,712 million, compared to RMB 12,463 million in the same period of 2020, indicating an increase of approximately 18.0%[37] Capital and Liquidity - The capital adequacy ratio stood at 13.62%, with a Tier 1 capital ratio of 11.56% and a core Tier 1 capital ratio of 8.99%, all meeting regulatory requirements[19] - The leverage ratio was reported at 7.15% as of September 30, 2021[15] - The liquidity coverage ratio was 129.39%, with high-quality liquid assets amounting to RMB 771.99 billion[16] Shareholder Information - The total number of ordinary shareholders is 23,532,374,560, with the top ten shareholders holding significant stakes[21] - Hong Kong Central Clearing (Agent) Co., Ltd. holds 5,616,067,380 H shares on behalf of various investors, including major shareholders like Ocean Fortune Investment Limited and China Reinsurance Group[22] - China Everbright Holdings Limited, a subsidiary of China Everbright Group, holds 1,572,735,868 A shares, while China Life Reinsurance Co., Ltd. holds 1,530,397,000 H shares[23] - The top ten shareholders did not participate in margin trading during the reporting period, indicating a conservative approach to equity management[23] - The company has no preferred shareholders with restored voting rights, maintaining a straightforward equity structure[28] - The report indicates that the majority of H shares are held under limited sale conditions, affecting liquidity[22] Strategic Developments - The company conducted a merger under common control during the reporting period, leading to adjustments in comparative financial data[9] - The company plans to issue up to 60 billion RMB in subordinated capital bonds, with the proposal approved at the 2020 annual general meeting[29] - The establishment of a Macau branch has been approved, and the setup work is currently in progress[29] - Everbright Cloud Payment Technology Co., Ltd. has been included in the company's consolidated financial statements after a restructuring, with Everbright International Investment Co., Ltd. holding a 51% stake[29] - The company is actively pursuing market expansion and strategic investments to enhance its operational capabilities[29]